Core Insights - The rise of climate disaster ratings is significantly impacting real estate transactions in the U.S., with many buyers and sellers questioning the standards and accuracy of these ratings [1][2] - The ratings, provided by First Street, assess risks related to natural disasters such as floods, wildfires, and air quality, and are now used by all major real estate platforms in the U.S. [1] Group 1: Impact on Real Estate Transactions - A property in New Hampshire received a flood risk rating of 9 out of 10, leading to difficulties in selling despite price reductions [1] - Zillow has stopped displaying climate disaster ratings on property detail pages due to strong opposition from the real estate industry, although buyers can still access the data [1] - High-risk ratings can lead to lower transaction rates and "disaster discounts," where properties sell for significantly less than their initial listing prices [1] Group 2: Accuracy and Controversy of Ratings - The emergence of these ratings is attributed to the limitations of official disaster maps, which often fail to accurately reflect the risks of recent disasters [2] - Experts have raised concerns about the accuracy of these ratings, noting that current technology cannot precisely predict the risk for individual properties [2] - There are discrepancies between ratings from different agencies, with one property being rated as "extremely low risk" by one company and "moderate risk" by another [2] - First Street adjusted the risk rating for the property in question from 9 to 7, citing errors from data providers, although the CEO maintains confidence in their data accuracy [2]
美国房屋受灾风险评分系统遭非议